GreatFlorida Auto Insurance - Delray Beach, FL - John Macatangay
Auto Insurance in Delray Beach, Florida
Auto Insurance Agency in Delray Beach, Florida

Auto Insurance Agency - Delray Beach, FL

John Macatangay

561-665-6577

John Macatangay - GreatFlorida Insurance - Delray Beach, FL.

142 SE 6th Ave
Suite B

Delray Beach, FL. 33483
Fax : 561-246-4495

Get a Quote

Delray Beach, FL Auto Insurance

Auto Insurance | Delray Beach, FL

In the event of an accident, Auto insurance provides protection against monetary losses due to a car crash, as well as damages from a natural disaster or vandalism.

Delray Beach, FL drivers are required to have a minimum of property damage coverage and personal injury protection. John Macatangay at GreatFlorida Insurance Delray Beach, FL, can familiarize you with legal requirements, additional coverage options such as bodily injury liability, collision, no-fault, uninsured motorist and comprehensive coverage and deductibles.

GreatFlorida Auto Insurance agents can review your car insurance needs and provide you with reliable options for an auto policy from several insurance companies, giving you what you are looking for, no more and no less. Complete an online request form and a local GreatFlorida agent in will work to find competitive rates for you.

Whether you currently own a car or are a prospective buyer, John Macatangay at GreatFlorida Insurance Delray Beach, FL can help you find the right Auto Insurance policy at the right price. more.

Delray Beach, FL Auto InsuranceAuto Insurance FAQs

What is Florida Auto Insurance?

It is a contract between you and your insurer in which you pay the insurance company a certain amount of money and, in return, the company will protect you from major financial losses due to an auto accident for a given period of time.

Whether you currently own an automobile or are a prospective buyer in Delray Beach, you can get a Free Auto Insurance quote today. 

Simply call 561-665-6577 or complete our online quote request form. A GreatFlorida Auto Insurance Agent will help you find the best deal for you in Delray Beach.

Why Do You Need Auto Insurance?

Insurance is your protection against economic disaster should you cause an accident that results in property damage or injuries to other people. It can help cover repairs to your vehicle and related medical costs.

What does auto insurance cover?

  • Bodily injury liability coverage – Pays for bodily injury or death resulting from an accident for which you are at fault and provides you with a legal defense.

  • Property damage liability coverage – Provides you with protection if your car accidentally damages another person's property. It also provides you with a legal defense.

  • Medical payments, no-fault or personal injury coverage – Usually pays for the medical expenses of the driver and passengers in your car incurred as a result of a covered accident regardless of fault.

  • Uninsured motorist coverage – Pays for your injuries and, in some circumstances, certain property damage caused by an uninsured or a hit-and-run driver. In some cases, underinsured motorist coverage is also included. This is for cases in which the at-fault driver has insufficient insurance.

  • Comprehensive physical damage coverage – Pays for damage to your car from theft, vandalism, flood, fire, and other covered perils.

  • Collision coverage – Pays for damage to your car when it hits or is hit by another object.

Can I get coverage with speeding tickets on my record? What about accidents or a DUI?

Yes. GreatFlorida Auto Insurance Agency owners understand that not everyone has a perfect driving record. They represent insurance carriers specializing in your unique situation.

What is a deductible on my auto policy?

In the event of a claim, this is the amount you will have to pay before your policy pays.

What's the difference between comprehensive and collision?

Collision is the part of the policy that covers your vehicle against damage caused in an accident. Comprehensive covers your car for damages not caused by a collision. It also covers against named perils such as hurricane damage and theft.

What are the Florida state required limits for auto insurance?

Florida requires a minimum of $10,000 coverage for property damage and $10,000 coverage for Personal Injury Protection.

What is uninsured motorist coverage?

Coverage designed to provide protection should you be involved in an accident with a motorist who is at fault and has either no insurance or not enough to cover your medical expenses. Uninsured motorist coverage does NOT cover damage to your vehicle.

I just moved to Florida. Is coverage the same from state to state?

No. Each state has unique rules and regulations for auto insurance. It’s important to be aware of the differences here in Florida.

Do I have to turn in my out of state tags and get new ones from Florida?

Yes. Upon moving to Florida a driver has 30 days get a new registration on the vehicle.

What is the Florida Financial Responsibility Law?

The law that requires owners or operators of autos to provide evidence that they have the funds to pay for automobile losses for which they might become liable. Auto Insurance is the usual method for providing this evidence to the state.

What is the Florida No-Fault Law?

The Florida No-Fault law requires PIP (personal injury protection) be carried by owners of motor vehicles and imposes penalties for failing to do so.

Why should I buy my auto insurance from GreatFlorida?

  • Most customers save money because we offer some of the most competitive rates around.
  • You can reach us any time, day or night, any day of the year.
  • You deal directly with a local GreatFlorida Agent in Delray Beach.
  • We help you settle your claims quickly and fairly.

Simply call 561-665-6577 or complete our online quote request form. A GreatFlorida Auto Insurance Agent in Delray Beach will help you find the best deal for you.

by GreatFlorida Insurance
8/24/2015

Summer may be coming to an end, but September to November is often the best time to go camping in Florida. Towing an RV, boat or cargo trailer may seem simple but it is more than getting a trailer and hitch. Improper towing can lead to tipping or unattached cargo and cause serious damage to suspension and braking systems as well as strain to your engine and transmission. Make sure to avoid common towing mistakes before hitting the road. FLorida-boat-insurance

Ratings/Weight

You will find yourself dealing with a host of problems that can turn dangerous if you overload your trailer or vehicle. Towing specifications can be found in your vehicle’s owner manual and the inside of the driver’s side door. Your trailer’s unloaded weight and weight ratings can be found on its Vehicle Identification Number (VIN) plate.

Some numbers to look up are your vehicle’s gross combined weight rating (GCWR) this is the total amount of weight allowed including the vehicle, loaded trailer, passengers, fuel and everything being carried.  The gross vehicle weight rating (GVWR) is the max weight limit for your vehicle.

According to Popular Mechanics, another number to keep in mind is the tongue weight. This figure will tell you how much of the trailer’s weight can rest on the hitch. They recommend the number be about 10 percent of the trailer’s weight to prevent swaying and difficulty in steering.

Unbalanced Cargo

An off-balance trailer can be difficult to control.  Try to place heavier objects toward the front for greater support.  Load cargo evenly from front to back as well as from side to side for equal weight distribution. Secure all items to prevent them from shifting during the trip.

Braking

Towing adds more weight causing your rig greater momentum which means it will take longer for your vehicle to reduce speed. Give yourself plenty of time and space to slow down. It is best to apply light, gradual pressure. Florida requires all trailers to have their own brake system if the load and trailer exceeds 3,000 pounds.

Get Connected

In Florida, any vehicle towing a trailer with a trailer hitch attached to the rear of the vehicle must have the proper connections.  Safety chains or cables connecting from the trailer to the vehicle must be strong enough to maintain connection in the event that a trailer is separated from the hitch.  Crossing the chains in the shape of an X will offer the greatest support.

Tire Pressure

Truck Trend Magazine advises to check your vehicle and trailer’s tire pressure before your trip. Tires that sit unused for a season are vulnerable to degrading faster than if they were on the road.

“Before you head out, make sure your auto insurance has you covered,” says Ellsworth Buck, Vice President of GreatFlorida Insurance. “Not all car insurance policies offer the same protection, so it is best to read through your policy or get clarification from your insurance agent on exactly what is covered.”

The liability portion of your car insurance should cover the trailer if it causes damage to someone’s car or property in a car crash. You might discover you have no coverage for the trailer or cargo if it is damaged during your trip. Homeowner’s insurance does offer some coverage for trailers and boats but specific insurance such as RV insurance or boat insurance is recommended for full protection and compensation.

Contact GreatFlorida Insurance today to get a quote for homeowner’s insurance, boat insurance, RV insurance or auto insurance. Our offices are located throughout Florida for your convenience.

The post Common Towing Errors appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
7/21/2015

Florida Auto insuranceBeing in a car accident is stressful and can leave you feeling a bit overwhelmed.  According to the Florida Department of Motor Vehicles, there are over 16 million drivers in Florida and over 200,000 car accidents every year. A car accident can leave even the most level headed driver startled.

“Being prepared for the unexpected can help”, says Ellsworth Buck, Vice President of GreatFlorida Insurance. “It’s a good idea to keep your vehicle registration, auto insurance card, health insurance information and emergency contacts in the glove compartment so they can be easily accessed in an emergency.”

There are some simple steps to take in order to make the experience less traumatic:

  • Take a deep breath and try to remain calm.
  • Check for injuries, if you are uncertain about the severity of an injury call 911 for medical assistance and ere on the cautious side.
  • If the accident is minor, try to move the vehicles to the shoulder of the road or a safe area, out of traffic.
  • If the car cannot be moved, the driver and all passengers should remain in the car with seatbelts fastened to prevent further accidents.
  • Turn on your hazard lights. Place flares or warning signs if you have some, behind the car to warn oncoming traffic.
  • Call the police even if the accident is minor, they will let you know if an officer needs to be present.
  • Call your insurance agent immediately.

Make detailed notes, important information to gather will be:

  • Drivers, occupants and witnesses names and phone numbers and email.
  • If the name on the auto registration is different than the driver involved in the accident, make a record of the relationship.
  • The vehicle make, year, color, model and license plate number
  • Get the drivers insurance company name, phone number and policy number.
  • If emergency services respond record the police report number, officer name, phone number and badge number.
  • Take photos of the damage on all vehicles involved.

Some additional tips for your protection include:

  • Do not sign any documents unless they are for the police or your insurance agent.
  • Do not tell anyone the accident was your fault even if you think it was.
  • State only facts and limit the discussion of the car crash to the police and your insurance agent.
  • If possible, do not leave the accident scene before the police and other drivers do.
  • Be polite– a car accident is a volatile and sometimes frightening situation.  Being polite will help keep emotions cool and the situation calmer. It is not the time to lay blame, even if the accident was not your fault. Check with the others involved and make sure everyone is alright.

You can depend on GreatFlorida Insurance when the unexpected occurs. Our experienced agents are located across Florida and can help you find the health insurance or auto insurance ideal for your lifestyle, contact us today.

FloridaAutoAccidents

The post Steps to Take in a Car Crash appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
7/9/2015

staycation-image-wideA staycation or a stay-at-home vacation found popularity during the economic downturn a few years ago.  A staycation’s benefits have kept it trending in the U.S.  It is a great way to cut back on discretionary spending and save money. Let’s face it, traveling is not stress free. Long lines at airport security and gridlocked traffic will not put you in a “Zen” state of mind. Comprehensive planning and packing can make you feel like you need a vacation from your vacation.

“Home can lose its sense of adventure, said Ellsworth Buck, Vice President of GreatFlorida Insurance. “After being some place for a while, it is easy to dismiss local sites or think you will visit there one day.”

They key to enjoying a successful staycation is to relax. Consumer Reports urges you to discipline yourself to avoid activities that will have you focusing on work such as checking work emails and calling the office. Other suggestions include, taking a break from your daily routine and placing a hold on household projects.

If you are a little stumped on what to do while you are enjoying a staycation, the list below is sure to help.

According to Wikipedia, most Floridians live an average of 25 miles or less from the water.  Check out a beach, lake, spring, river, splash park, water park or pool.

Florida has 11 national parks and 174 state parks as well as many more municipal parks to explore, hike or bike.

  • Zoo
  • Golf or mini golf
  • Aquarium
  • Museum-art or historical, botanical gardens
  • Local theater
  • Dinner theater
  • Skating rink
  • Indoor trampoline
  • Stop by a local winery or craft brewery
  • Summer concerts
  • Twilight movies in the park
  • Theme park
  • Kennedy Space Center in Cape Canaveral

To help you achieve a greater peace-of-mind, whether you are traveling or taking in the local sites this summer, GreatFlorida Insurance provides quality and affordable auto insurance and homeowners insurance. Our knowledgeable agents will find the right auto insurance and homeowners insurance to fit your specific needs. Contact us today.

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The post Best Florida Staycation Ideas appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
7/6/2015

This year’s Florida legislative session was filled with hostility and drama. The standard 60-day session ended three days early due to contention between the House and Senate on Medicaid Expansion. Without a state budget passed, a Special Session was called June 1 -20. An early end to the session, along with a stalemate, doomed many bills. This year there were many proposal casualties.

PASSED – NEW LAWS

  • Ticket quotas cannot be used to generate revenue for police departments.
  • States, counties and cities can only buy American made flags- a patriotic move
  • Attention craft beer lovers, 64 ounces of beer, known as “growlers” can finally be sold in Florida.
  • Drones cannot take pictures on private property; violators will not be arrested but can be sued.
  • Gay people can adopt children.
  • Florida school districts can start the school year as early as August 10.
  • Scale back testing in public schools
  • Tax cuts-about $400 million in tax cuts with sales tax holidays and a tax cut to cable, TV and cellphone services.

CASUALTIES
florida-public-employees-legislature1

  • Comprehensive state water policy
  • Medicaid Expansion
  • Prison Reform
  • Texting while driving considered a primary offense
  • Abolishment of the death penalty
  • Equal pay for women on state contracts
  • Education– school choice, eliminating sales tax on student textbooks, mandatory uniforms for K-8, a minimum $50,000 salary for new teachers, concealed weapons to be carried by designated employees on school property in K-12 schools, ban on concealed weapons on college campuses
  • Undocumented immigrants to obtain a driver’s license.
  • Tupelo honey designated as the official state honey
  • Expansion of gambling- a victory for Disney and other’s wanting to maintain a family friendly state environment
  • Legalization of medical marijuana

GreatFlorida Insurance has been serving Florida since 1991. Dedicated to helping Floridians make informed decisions about their insurance, we offer professional service and affordable insurance. GreatFlorida Insurance specializes in:  auto insurance, homeowner’s insurance, boat insurance, motorcycle insurance, commercial insurance, renters insurance, health insurance and umbrella insurance.

Our knowledgeable agents have 115 offices located throughout Florida. Reliability is a must for our customers. We provide 24-hour service, 7 days a week, 365 days a year. The right insurance coverage can give your clients peace of mind, knowing their investment is protected.

Call 888-478-7801 to talk to a local agent or go online to www.greatflorida.com for a free quote.


 

Sources: http://politics.heraldtribune.com/2015/05/06/legislature-sets-special-session/
http://www.forbes.com/sites/instituteforjustice/2015/05/18/florida-finally-legalizes-64-ounce-growlers/
http://www.tampabay.com/news/politics/stateroundup/what-passed-what-failed-in-floridas-2015-legislative-session/2234411

The post 2015 Legislative Session- What Passed What Failed? appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
6/24/2015

Getting a ride somewhere has been made easier than ever thanks to ride-sharing programs such as Uber and Lyft. The apps are convenient, but what happens if you are in an accident? Who is responsible for the damages is the source of debate in Florida.

Uber states, “From the moment you are picked up until you are dropped off, you are covered under our commercial liability insurance, every trip in every city.” Uber and Lyft riders are covered under a one million dollar policy that covers riders. This is more auto insurance coverage than taxis or limos. They also have added uninsured and under insured motorist coverage.

According to The Insurance Journal, the Florida Office of Insurance Regulation, Deputy Chief of Staff, Monte Stevens said the Uber policy meets the state insurance requirements. So what is the problem?

“The uncertainty comes into play for drivers, when they are logged into the app but are waiting for a rider,” said Ellsworth Buck, Vice President of GreatFlorida Insurance. “During this period, a driver’s personal car insurance is responsible for damages. Unfortunately, many personal auto insurance policies would be likely to deny the claim because the driver is logged into the app, so it would fall into the commercial driving category. During that time Uber’s policy is “contingent,” leaving gray area.”

Many Florida lawmakers are arguing, “Is this considered a taxi service or carpooling service?’  The state is deliberating new insurance requirements and ride-sharing regulation. Uber is hoping to get the issues picked up in the special June legislative sessions but it is unlikely that ride-sharing will be addressed by lawmakers until the 2016 session.

If you are a ride-sharing driver, agents at GreatFlorida Insurance can make sure you get the proper coverage for you and riders. Contact us today to discover all the auto insurance and commercial insurance options available for you.Screen-Shot-2015-01-20-at-8.06.44-AM

Lyft-insurance

The post Uber and Lyft Could Leave You Uncovered appeared first on The GreatFlorida Insurance Blog.

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